The Financial Tools You Need to Get Where You’re Going
Grab opportunities or build for the future. America’s Credit Union has the financial tools to build a richer life in our special corner of the mighty North West. Become a member and share in the benefits of belonging with lower loan rates, flexible repayment terms and the best customer service this side of the Columbia.
ACU Personal Loan Benefits
Whether you’re putting down roots, consolidating debt, or looking to the horizon, great financing will get you there faster. Make the South Sound your launchpad with an ACU home loan, auto loan, home equity loan or student loan.
Great Rates
Benefit from the best
APRs* in the South Sound!
Flexible Terms
Choose your loan length with no prepayment penalties
Skip a Payment
Need to take a break from loan payments? We got you!
Online Payment
Convenient online loan payment option.
BECOME A MEMBER – JOIN US TODAY!
Personal Loans (Installment Loans)
For those times that you need funds for uses other than a vehicle or home loan. Perfect for repairs, education, special projects and even vacations.
- Borrow from $500 up to $25,000.
- Amount based on your individual needs and credit-worthiness.
- Competitive rates, flexible terms.
Home Loan Center
You can search, buy, and sell your home through ACU. We offer multiple Mortgage Loan Programs with flexible terms and competitive rates that fit most budgets.
Plus, our full array of financing options include:
- Home Purchase.
- Mortgage Refinance.
- Home Equity Programs.
Auto Loans
ACU Auto Loans provide flexibility and a range of terms to buy your choice of new or used car, truck or motorcycle.
- Competitive rates.
- Range of terms from 36 to 84 months.
- Rate discounts if you’re an active-duty service member or veteran or opt for Debt Protection.
- 0.75% when you sign up for Automatic Payment with direct deposit equal to or greater than your loan payments.
Student Loans
Whether you’re an undergraduate, graduate student, or parent, get money for school from ACU in partnership with Sallie Mae® student loans.
- Competitive interest rates
- Multiple repayment options
- No origination fees
- No prepayment penalty
Applying for a Loan is Quick & Easy!
Step1 |
Apply OnlineGet started with our quick and easy online loan application process. |
Step2 |
Agree to TermsIf approved, we’ll offer you a rate and terms for the amount you’re borrowing. |
Step3 |
Get Your Cash!Put your personal, home, auto or student loan money to work! |
Additional Loan Features
Flexible
Spend cash from your personal or home equity loan on anything you want.
Affordable
ACU is known for our ultra-low loan rates that let you do more for less.
Reputable
We’ve been helping South Sound residents reach their financial goals since 1954.
Right-Sized
Borrow as little or as much as you need. We offer personal loans from $500 to $25,000.
Smart
We partner with Sallie Mae® to offer competitive, flexible student loan options.
Expert
Our knowledgeable staff and loan offers are always available to assist and answer questions.
See Our Low Loan Rates with Your Own Eyes
It pays to belong to ACU! Qualify for the best loan rates in Tacoma, Olympia, Pierce, and Thurston Counties!
Personal Loans |
As Low As 10.23% APR** |
Home Loans |
As Low As 6.49% APR** |
New & Used Auto Loans |
As Low As 6.71% APR** |
Motorcycle Loans |
As Low As 8.05% APR** |
Come home to the low APRs you deserve. Click below to view our full list of ACU Personal Loan rates.
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★★★★★ “I love it ! So friendly and welcoming! I loved the place so much I switched all my accounts over to this credit union.” Roseanna T., JBLM |
Our Versatile Lending Options Let You Do More
Life happens. We understand. Get the financing you want with the flexibility you need. Our versatile repayment options make it easy.
Skip A Payment
If you have an ACU auto or personal loan, you may be eligible to skip some payments and use the extra cash for unexpected bills or other expenses. You will pay only a $30 processing fee for each payment you choose to skip.
Online Loan Payment Option
Register for our convenient online loan payment option, which costs just $12 per payment. All payments made prior to 6:00 p.m. PST will be processed on the same day.
Common Questions About America’s Credit Union Personal Loans
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What is the eligibility criteria to apply for a personal loan at ACU?
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Eligibility for a personal loan depends on several factors including your credit history and current financial standing. Please contact ACU directly to discuss your specific circumstances.
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Who is eligible for membership at ACU
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ACU membership is open to all residents of Washington State, including personnel based at Joint Base Lewis-McChord. With branches throughout the South Sound, you can apply for a personal loan in Olympia, WA, step in for a car loan on base, or hit us up for a home loan in Tacoma. The choice is yours.
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How does the online loan payment option work?
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You can register for our online loan payment service for a fee of $12 per payment. Payments made before 6:00 p.m. PST are processed on the same day.
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How does the Skip A Payment option work?
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If you have an ACU auto or personal loan, you may be eligible to skip some payments and use the extra cash for unexpected bills or other expenses. Under this program, you will pay only a $30 processing fee for each payment you choose to skip, and interest will continue to accrue on your loan.
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Are there any fees associated with student loans through ACU and Sallie Mae?
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There are no origination fees or prepayment penalties for student loans through ACU, although the terms of your promissory note will determine how early payments are applied to your debt.
More Ways ACU Can Help With Your Financing
America’s Credit Union is there with the tools you need for every stage of your financial journey. Find out more about our other lending options
Credit Cards
With an ACU credit card, you’ll always get a competitive rate plus benefits. Our cardholders say this is the only card they need in their wallets.
Home Mortgage Loans
Buying a new home is exciting. Refinancing a home should be easy. At ACU, we’ll make sure your mortgage experience is the best it can be.
Home Equity Loans
Home equity loans and lines of credit let you access the equity you already own in your home. Find a full array of financing options available with ACU.
Get in Touch With ACU Today
America’s Credit Union is there with the tools you need for every stage of your financial journey. Find out more about our other lending options
*Annual Percentage Rate (APR). Your APR for purchases is 10.54% – 18.00% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval. See full Visa disclosure or Business Visa disclosure for more information.
Disclaimers
America’s Credit Union NMLS 449181